Start investing with a minimum of £50
Choose from 5 investment options based on the risk level you're happy with
Your money is managed by Coutts investment experts
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Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
You could win £20,000 when you invest with Royal Bank
For every £50 you invest in a Royal Bank Stocks and Shares ISA, you’ll get one entry into the prize draw. The more you invest, the more chances you have to win!
For a chance to win first prize of £20,000, 10 prizes of £1,000 or 200 of £100. Enter between 12th January and 30th April 2026.
T&Cs, fees and charges apply.
What is a Stocks and Shares ISA?
A Stocks and Shares ISA is a type of investment ISA that allows you to invest without paying UK Income Tax or Capital Gains Tax on any money you make on the investments.
You can add up to £20,000 each tax year. You can use this total limit of £20,000 across Cash ISAs and Stocks and Shares ISAs.
Our Stocks and Shares ISA is endorsed as Which? Great Value.
Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.
Why invest in our Stocks and Shares ISA?
How investing with us works
- Choose which of our five ready-made investment funds you want to invest your money in. These range from low to high risk.
- Answer a few questions and start investing from £50.
Explore how much your money could grow
Still unsure about investing? See how much your money could grow when you invest in a Stocks and Shares ISA or General Investment Account with us.
Your investments are protected
Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if Royal Bank of Scotland were to cease trading, your money is protected.
This doesn’t include losses made as a result of investing.
Transfer an existing ISA to Royal Bank Invest
Log in to Royal Bank Invest using either the Royal Bank of Scotland mobile app or your online banking details.
In the Stocks and Shares ISA section, choose the option to 'Transfer an ISA'. You’ll need the account details of your current ISA provider to hand.
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Already used your ISA allowance?
If you’ve already used your £20,000 ISA allowance for this tax year, you could consider our General Investment Account.
UK Income and Capital Gains Tax applies.
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Understanding investing
What’s the difference between saving and investing, when is it a good time to invest and other burning questions are answered in our investment insights.
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Learn more about ISAs
For all the ins and outs about ISAs, including how it works, tax thresholds, and what to consider before investing, have a look at our ISA guide.
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Your top questions on Stocks and Shares ISAs answered
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